**First Direct: **
DIRECT 5 yr Fixed
Rate
**
2.39%
**

**For 60 months, then SVR for 20 years**
currently 3.94%
Set-up Fees:
**£490**

Monthly Payment
**£664 For 60 months
**
Then £763 for 20 years

MSE Total Cost **£8,070
**

for year 1
**
This product is only available from First Direct How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£490

Product Fee:£0

Valuation fee:£0

Other Fees: £0

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£149, plus (3% in year 1, 2% in years 2-5)

OTHER PRODUCT INFO

Exit fee:£149

Maximum LTV90%

Minimum Loan£10,000

Maximum Loan£400,000

The total amount payable is £223,622 and the overall cost for comparison is

**3.4%** APRC.

What does this mean?

**Principality: **
Fixed till 30-06-23
Rate
**
2.40%
**

**For 62 months, then SVR for 19 years and 10 months **
currently 4.90%
Set-up Fees:
**£1,420**

Monthly Payment
**£665 For 62 months
**
Then £827 for 19 years and 10 months

MSE Total Cost **£8,250
**

for year 1
**
This product is available directly from Principality or via a broker How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£1,395

Valuation fee:£0

Other Fees: £25

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£145, plus (5% until 30-06-20, 3% until 30-06-22, 1% until 30-06-23)

OTHER PRODUCT INFO

Exit fee:£145

Maximum LTV90%

Minimum Loan£5,000

Maximum Loan£300,000

The total amount payable is £239,652 and the overall cost for comparison is

**4%** APRC.

What does this mean?

**HSBC: **
DIRECT Premier + Adv Fixed till 31-05-23
Rate
**
2.44%
**

**For 61 months, then SVR for 19 years and 11 months **
currently 3.94%
Set-up Fees:
**£929**

Monthly Payment
**£668 For 61 months
**
Then £763 for 19 years and 11 months

MSE Total Cost **£8,200
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£800

Product Fee:£99

Valuation fee:£0

Other Fees: £30

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

5% until 31-05-19, 4% until 31-05-20, 3% until 31-05-21, 2% until 31-05-22, 1% until 31-05-23

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV90%

Minimum Loan£10,000

Maximum Loan£400,000

The total amount payable is £224,140 and the overall cost for comparison is

**3.4%** APRC.

What does this mean?

**HSBC: **
DIRECT Premier + Adv Fixed till 31-05-23
Rate
**
2.44%
**

**For 61 months, then SVR for 19 years and 11 months **
currently 3.94%
Set-up Fees:
**£929**

Monthly Payment
**£668 For 61 months
**
Then £763 for 19 years and 11 months

MSE Total Cost **£8,200
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£800

Product Fee:£99

Valuation fee:£0

Other Fees: £30

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

5% until 31-05-19, 4% until 31-05-20, 3% until 31-05-21, 2% until 31-05-22, 1% until 31-05-23

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV90%

Minimum Loan£10,000

Maximum Loan£400,000

The total amount payable is £224,140 and the overall cost for comparison is

**3.4%** APRC.

What does this mean?

**Barclays: **
Fixed till 31-07-23
Rate
**
2.44%
**

**For 63 months, then SVR for 19 years and 9 months **
currently 3.99%
Set-up Fees:
**£1,034**

Monthly Payment
**£668 For 63 months
**
Then £766 for 19 years and 9 months

MSE Total Cost **£8,210
**

for year 1
**
This product is available directly from Barclays or via a broker How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£999

Valuation fee:£0

Other Fees: £35

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£80, plus (3% until 31-07-23) of balance repaid

OTHER PRODUCT INFO

Exit fee:£80

Maximum LTV90%

Minimum Loan£5,000

Maximum Loan£500,000

The total amount payable is £224,733 and the overall cost for comparison is

**3.5%** APRC.

What does this mean?

**Barclays: **
Fixed till 31-07-23
Rate
**
2.44%
**

**For 63 months, then SVR for 19 years and 9 months **
currently 3.99%
Set-up Fees:
**£1,034**

Monthly Payment
**£668 For 63 months
**
Then £766 for 19 years and 9 months

MSE Total Cost **£8,210
**

for year 1
**
This product is available directly from Barclays or via a broker How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£999

Valuation fee:£0

Other Fees: £35

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£80, plus (3% until 31-07-23) of balance repaid

OTHER PRODUCT INFO

Exit fee:£80

Maximum LTV90%

Minimum Loan£5,000

Maximum Loan£500,000

The total amount payable is £224,733 and the overall cost for comparison is

**3.5%** APRC.

What does this mean?

**HSBC: **
DIRECT Standard Fixed till 31-05-23
Rate
**
2.44%
**

**For 61 months, then SVR for 19 years and 11 months **
currently 3.94%
Set-up Fees:
**£1,029**

Monthly Payment
**£668 For 61 months
**
Then £763 for 19 years and 11 months

MSE Total Cost **£8,220
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£900

Product Fee:£99

Valuation fee:£0

Other Fees: £30

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

5% until 31-05-19, 4% until 31-05-20, 3% until 31-05-21, 2% until 31-05-22, 1% until 31-05-23

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV90%

Minimum Loan£10,000

Maximum Loan£400,000

The total amount payable is £224,240 and the overall cost for comparison is

**3.4%** APRC.

What does this mean?

**HSBC: **
DIRECT Standard Fixed till 31-05-23
Rate
**
2.44%
**

**For 61 months, then SVR for 19 years and 11 months **
currently 3.94%
Set-up Fees:
**£1,029**

Monthly Payment
**£668 For 61 months
**
Then £763 for 19 years and 11 months

MSE Total Cost **£8,220
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£900

Product Fee:£99

Valuation fee:£0

Other Fees: £30

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

5% until 31-05-19, 4% until 31-05-20, 3% until 31-05-21, 2% until 31-05-22, 1% until 31-05-23

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV90%

Minimum Loan£10,000

Maximum Loan£400,000

The total amount payable is £224,240 and the overall cost for comparison is

**3.4%** APRC.

What does this mean?

**Metro Bank - England & Wales only: **
5 yr Fixed
Rate
**
2.44%
**

**For 60 months, then SVR for 20 years**
currently 4.00%
Set-up Fees:
**£1,234**

Monthly Payment
**£668 For 60 months
**
Then £769 for 20 years

MSE Total Cost **£8,270
**

for year 1
**
This product is available directly from Metro Bank - England & Wales only or via a broker How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£999

Valuation fee:£200

Other Fees: £35

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£50, plus (5% in year 1, 4% in year 2, 3% in year 3, 2% in year 4, 1% in year 5)

OTHER PRODUCT INFO

Exit fee:£50

Maximum LTV90%

Minimum Loan£50,000

Maximum Loan£500,000

The total amount payable is £225,852 and the overall cost for comparison is

**3.5%** APRC.

What does this mean?

**Coventry: **
Fixed till 30-06-23
Rate
**
2.45%
**

**For 62 months, then SVR for 19 years and 10 months **
currently 4.49%
Set-up Fees:
**£1,007**

Monthly Payment
**£669 For 62 months
**
Then £800 for 19 years and 10 months

MSE Total Cost **£8,220
**

for year 1
**
This product is available directly from Coventry or via a broker How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£999

Valuation fee:£0

Other Fees: £8

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£125, plus (5% until 30-06-19, 3% until 30-06-21, 1% until 30-06-23)

OTHER PRODUCT INFO

Exit fee:£125

Maximum LTV90%

Minimum Loan£1,000

Maximum Loan£2,000,000

The total amount payable is £232,988 and the overall cost for comparison is

**3.8%** APRC.

What does this mean?

##### And remember, as the old phrase goes... Your home may be repossessed if you do not keep up repayments on your mortgage.

The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

Calculations are rounded to the nearest £10

Mortgage data is provided by MortgageBrain, which primarily provide data and technology solutions to mortgage brokers.